Earn unlimited 2% cash rewards with no annual fee, plus a $200 welcome bonus after qualifying purchases!
Luana Ribeiro · May 21, 2025 · 3 minutes
The Wells Fargo Active Cash® Credit Card is an excellent choice for anyone seeking simplicity, high rewards, and no annual fee.
With unlimited 2% cash back on all purchases, this card eliminates the need to track categories or wait for rotating promotions.
Whether you're buying groceries, filling up your gas tank, or shopping online, you’ll earn a flat 2% on everything, making it one of the most user-friendly cash back cards available.
New cardholders can enjoy a $200 cash rewards bonus simply by spending $500 on purchases within the first 3 months of account opening.
This welcome offer is a great incentive and one of the most competitive in the market for a card with no annual fee.
In addition, the card offers a 0% introductory APR for 12 months on purchases and qualifying balance transfers, giving you time to pay off big expenses without interest.
After the intro period, the APR ranges from 19.24% to 29.24% variable, based on your creditworthiness.
The Wells Fargo Active Cash® Credit Card is more than just a cashback card — it comes packed with valuable benefits.
Cardholders receive up to $600 of cell phone protection against damage or theft, just for paying their phone bill with the card.
You'll also get an auto rental collision damage waiver, making it easier and safer to travel without purchasing extra rental car insurance.
If you run into issues on the road, Roadside Dispatch® is available 24/7 for towing and emergency help, with no membership required.
Beyond travel and protection perks, the card also offers powerful financial tools.
With Zero Liability Protection, you're not held responsible for unauthorized charges, giving you peace of mind.
The Credit Close-Up® service provides monthly access to your FICO® Score and credit insights, helping you understand and build your credit responsibly over time.
It’s complimentary for Wells Fargo Online customers and won’t affect your score.
When it comes to redeeming your rewards, you have several flexible options.
You can use your cash back to reduce your credit card balance, transfer it to a Wells Fargo checking or mortgage account, or even withdraw it from a Wells Fargo ATM in $20 increments.
Additionally, you can redeem for a wide variety of gift cards through Wells Fargo Rewards®.
It’s simple, fast, and offers the freedom to use your rewards in the way that works best for you.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
